Major medical insurance isn’t always an option for some.

As the name implies, short term health insurance – abbreviated to STHPs for short-term health plans – is temporary medical coverage. These plans are for people in transition, whether you’ve changed jobs and need something to fill the gap between employer-sponsored coverage, you’ve just graduated college or been dropped from your parents’ plan, or you’ve retired early but don’t qualify for Medicare yet.

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Before 2016, STHPs could last from 30 days to a full year in some states, but that has since changed. Now, short term health policies run from 30 days to under three months. They cover limited benefits, don’t cover pre-existing conditions and aren’t guaranteed-issue or renewable. Unlike major medical policies, STHPs include maximum lifetime payout limits, and you must meet a deductible before the insurer will pay its portion.

Despite some obvious drawbacks, short term health insurance makes sense for certain people. Premiums are much lower for STHPs than for major medical policies, they cover a variety of benefits depending on the plan you choose, and they provide an option if you don’t have major medical insurance. Combined with other policies, like standalone critical illness, short term medical plans can be part of your insurance package.

Premier Elite & Plus Elite

Premier Elite and Plus Elite highlights include:

• Plus Elite ONLY – Per Person INDIVIDUAL Deductible
  • $2,500
  • $5,000
  • $7,500
  • $10,000
  • $15,000
• Premier Elite ONLY – Family Deductible
  • $5,000
  • $10,000
  • $14,000
• Coinsurance: 0%
• Out-Of-Pocket Maximum: 0%

Plus

Plus highlights include:

• Plus – Per Person INDIVIDUAL Deductible (Family not available)
  • $2,500
  • $5,000
  • $7,500
  • $15,000
• Coinsurance: 20%
• Out-Of-Pocket Maximum: $2,000